Jumia Technologies AG American Depositary Shares each representing two Ordinary Shares (JMIA)

FairStock Score: 44/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the numbers. Jumia is an African e-commerce platform with marketplace, logistics, and payment operations. At the close on 2026-10-13, the shares were $5.91 and the market cap was $900.4M. In the latest reported quarter, fiscal Q2 2026, revenue was $52.0M and net income was -$11.7M, a -22.58% margin. That is not a profitable enterprise. Trailing free cash flow was -$43.0M, for a FairStock FCF yield of -4.8%. FairStock's calculations show P/E -12.85, P/B 591.00, ROE -216.21%, ROCE -25.23%, Piotroski F-Score 3/9, and Altman Z-Score -24.27. Those are not marks of financial strength. The business may have local network effects in marketplace, logistics, and payments, but I see no durable moat proven by consistent profits or cash generation. The provided data list revenue and profit growth, but without a named period I won't underwrite them as filed, period-specific figures. The Lynch category is none because only 0 years of filed results are available, needing 3. With a beta of 2.50 and price near the 52-week low of $5.69, sentiment is poor. Graham would demand a margin of safety; here the negative FCF and extreme P/B leave little. Buffett would ask for durable earning power; Jumia hasn't shown it. This looks speculative rather than a value opportunity.

In plain English: Jumia runs online marketplaces plus delivery and payment services, mostly in Africa. The business is still losing money and burning cash, and its financial returns look weak. At $5.91, the price does not look cheap compared with those losses and weak balance-sheet numbers.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer